127 Orchard DrLimaOH45807
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 127 Orchard Dr, Lima, OH, 45807 in Lima fits: $355,000, 3.75% gross yield, and a projected 5% annual appreciation rate adding $98,080 in value within five years. Rental yield 3.75%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.70) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,270/yr in principal paydown and $98,080 in appreciation project a total return of $56,429.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.8% |
| Monthly Cash Flow | $(1,225) | $520 |
City averages based on Lima market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,110 |
| Total Monthly Debt Service | $2,194 |
| DSCR Ratio | 0.51x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1995
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45807, Lima, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,914 (100%) |
| Owner Occupied HU | 3,797 (77.3%) |
| Renter Occupied HU | 852 (17.3%) |
| Vacant Housing Units | 265 ( 5.4%) |
| Median Home Value | $237,870 |
| Average Home Value | $253,151 |
Housing Distribution
Address Breakdown
Residential
5,151
Single Family
4,815
Multi-Family
336
Businesses
287
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1995
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45807, Lima, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,914 (100%) |
| Owner Occupied HU | 3,797 (77.3%) |
| Renter Occupied HU | 852 (17.3%) |
| Vacant Housing Units | 265 ( 5.4%) |
| Median Home Value | $237,870 |
| Average Home Value | $253,151 |
Housing Distribution
Address Breakdown
Residential
5,151
Single Family
4,815
Multi-Family
336
Businesses
287
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Scott Weaver • CCR Realtors
Mls Name: WCAR OH
Mls Provider:
Mls ID: #306809
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.